Human Genetics Society of Australasia Position Statement: Genetic Testing and Personal Insurance Products in Australia
The expansion of genetic and genomic testing in clinical practice and research, and the growing market for direct-to-consumer genomic testing has led to increased awareness about the impact of this form of testing on insurance. Genetic or genomic information can be requested by providers of mutually...
Gespeichert in:
| Veröffentlicht in: | Twin research and human genetics 2023-04, Vol.26 (2), p.184-187 |
|---|---|
| Hauptverfasser: | , , , , , |
| Format: | Artikel |
| Sprache: | eng |
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Tags: |
Tag hinzufügen
Keine Tags, Fügen Sie den ersten Tag hinzu!
|
| container_end_page | 187 |
|---|---|
| container_issue | 2 |
| container_start_page | 184 |
| container_title | Twin research and human genetics |
| container_volume | 26 |
| creator | DeBortoli, Emily McInerney-Leo, Aideen M. Ayres, Samantha Boyle, Jackie Jacobs, Chris Newson, Ainsley J. |
| description | The expansion of genetic and genomic testing in clinical practice and research, and the growing market for direct-to-consumer genomic testing has led to increased awareness about the impact of this form of testing on insurance. Genetic or genomic information can be requested by providers of mutually rated insurance products, who may then use it when setting premiums or determining eligibility for cover under a particular product. Australian insurers are subject to relevant legislation and an industry led standard that was updated in 2019 to introduce a moratorium on the use of genetic test results in life insurance underwriting for policies |
| doi_str_mv | 10.1017/thg.2023.11 |
| format | Article |
| fullrecord | <record><control><sourceid>proquest_cross</sourceid><recordid>TN_cdi_proquest_miscellaneous_2819276154</recordid><sourceformat>XML</sourceformat><sourcesystem>PC</sourcesystem><cupid>10_1017_thg_2023_11</cupid><sourcerecordid>2819276154</sourcerecordid><originalsourceid>FETCH-LOGICAL-c3071-666e9611cef62138194a7d4177388b48f0cd197dc765a51a535c11194dc79a4a3</originalsourceid><addsrcrecordid>eNptkdFL5DAQh4Mop-7dk-9HwBdBumaSNml9E7lTQXBB77nMpulepE00SQX_e7O6ewfiU4bw5ZvJ_Ag5AjYHBuos_V3NOeNiDrBDDqAWTcElr3ffa16UXJX75DDGR8aEgoZ9I_tCcS6VqA7Iy_U0oqNXxplkdaT3XluTXqnv6cUUU8ABo0W68NEm6x29T5jMaFw6376hDyYm61YUXUcXJkTvcKA3Lk4BnTZ0EXw36RSpdVulxe9kr8chmh-bc0b-_P71cHld3N5d3Vxe3BZaMAWFlNI0EkCbXnIQNTQlqq4EpURdL8u6Z7qDRnVayQorwEpUGiBT-abBEsWMnHx4n4J_nvKg7WijNsOAzvgptjwruZJQlRk9_oQ--inkv6wpUTdKVXnJM3L6QengYwymb5-CHTG8tsDadRxtjqNdx9ECZPrnxjktR9P9Y7f7z0Cx0eG4DLZbmf9dvxK-Afspk-4</addsrcrecordid><sourcetype>Aggregation Database</sourcetype><iscdi>true</iscdi><recordtype>article</recordtype><pqid>2838977502</pqid></control><display><type>article</type><title>Human Genetics Society of Australasia Position Statement: Genetic Testing and Personal Insurance Products in Australia</title><source>Alma/SFX Local Collection</source><source>Cambridge University Press Journals Complete</source><creator>DeBortoli, Emily ; McInerney-Leo, Aideen M. ; Ayres, Samantha ; Boyle, Jackie ; Jacobs, Chris ; Newson, Ainsley J.</creator><creatorcontrib>DeBortoli, Emily ; McInerney-Leo, Aideen M. ; Ayres, Samantha ; Boyle, Jackie ; Jacobs, Chris ; Newson, Ainsley J. ; Education, Ethics and Social Issues Committee of the Human Genetics Society of Australasia</creatorcontrib><description>The expansion of genetic and genomic testing in clinical practice and research, and the growing market for direct-to-consumer genomic testing has led to increased awareness about the impact of this form of testing on insurance. Genetic or genomic information can be requested by providers of mutually rated insurance products, who may then use it when setting premiums or determining eligibility for cover under a particular product. Australian insurers are subject to relevant legislation and an industry led standard that was updated in 2019 to introduce a moratorium on the use of genetic test results in life insurance underwriting for policies <AU$500K. The Human Genetics Society of Australasia has updated its position statement on genetic testing and life insurance to account for these changes and to increase the scope of the statement to include a wider range of personally-rated insurance products, such as life, critical care, and income protection products. Recommendations include that: providers of professional education involving genetics should include ethical, legal, and social aspects of insurance discrimination in their curricula; the Australian Government take a more active role in regulating use of genetic information in personal insurance; that information obtained in the course of a research project be excluded; insurers seek expert advice when making underwriting decisions regarding genetic testing; and engagement between the insurance industry, regulators, and the genetics profession be improved.</description><identifier>ISSN: 1832-4274</identifier><identifier>EISSN: 1839-2628</identifier><identifier>DOI: 10.1017/thg.2023.11</identifier><identifier>PMID: 37226735</identifier><language>eng</language><publisher>Cambridge, UK: Cambridge University Press</publisher><subject>Asymptomatic ; Disability discrimination ; Disability insurance ; Family medical history ; Genetic screening ; Genetic testing ; Genetics ; Genomics ; Insurance industry ; Insurance premiums ; Life insurance companies ; Moratoriums ; Personal health ; Social factors ; Social interactions ; Underwriting</subject><ispartof>Twin research and human genetics, 2023-04, Vol.26 (2), p.184-187</ispartof><rights>Human Genetics Society of Australasia, 2023. Published by Cambridge University Press on behalf of International Society for Twin Studies</rights><rights>Human Genetics Society of Australasia, 2023. Published by Cambridge University Press on behalf of International Society for Twin Studies. This work is licensed under the Creative Commons Attribution License This is an Open Access article, distributed under the terms of the Creative Commons Attribution licence (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted re-use, distribution and reproduction, provided the original article is properly cited. (the “License”). Notwithstanding the ProQuest Terms and Conditions, you may use this content in accordance with the terms of the License.</rights><lds50>peer_reviewed</lds50><oa>free_for_read</oa><woscitedreferencessubscribed>false</woscitedreferencessubscribed><citedby>FETCH-LOGICAL-c3071-666e9611cef62138194a7d4177388b48f0cd197dc765a51a535c11194dc79a4a3</citedby><cites>FETCH-LOGICAL-c3071-666e9611cef62138194a7d4177388b48f0cd197dc765a51a535c11194dc79a4a3</cites><orcidid>0000-0002-9284-9110</orcidid></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktohtml>$$Uhttps://www.cambridge.org/core/product/identifier/S1832427423000117/type/journal_article$$EHTML$$P50$$Gcambridge$$Hfree_for_read</linktohtml><link.rule.ids>164,314,776,780,27903,27904,55606</link.rule.ids><backlink>$$Uhttps://www.ncbi.nlm.nih.gov/pubmed/37226735$$D View this record in MEDLINE/PubMed$$Hfree_for_read</backlink></links><search><creatorcontrib>DeBortoli, Emily</creatorcontrib><creatorcontrib>McInerney-Leo, Aideen M.</creatorcontrib><creatorcontrib>Ayres, Samantha</creatorcontrib><creatorcontrib>Boyle, Jackie</creatorcontrib><creatorcontrib>Jacobs, Chris</creatorcontrib><creatorcontrib>Newson, Ainsley J.</creatorcontrib><creatorcontrib>Education, Ethics and Social Issues Committee of the Human Genetics Society of Australasia</creatorcontrib><title>Human Genetics Society of Australasia Position Statement: Genetic Testing and Personal Insurance Products in Australia</title><title>Twin research and human genetics</title><addtitle>Twin Res Hum Genet</addtitle><description>The expansion of genetic and genomic testing in clinical practice and research, and the growing market for direct-to-consumer genomic testing has led to increased awareness about the impact of this form of testing on insurance. Genetic or genomic information can be requested by providers of mutually rated insurance products, who may then use it when setting premiums or determining eligibility for cover under a particular product. Australian insurers are subject to relevant legislation and an industry led standard that was updated in 2019 to introduce a moratorium on the use of genetic test results in life insurance underwriting for policies <AU$500K. The Human Genetics Society of Australasia has updated its position statement on genetic testing and life insurance to account for these changes and to increase the scope of the statement to include a wider range of personally-rated insurance products, such as life, critical care, and income protection products. Recommendations include that: providers of professional education involving genetics should include ethical, legal, and social aspects of insurance discrimination in their curricula; the Australian Government take a more active role in regulating use of genetic information in personal insurance; that information obtained in the course of a research project be excluded; insurers seek expert advice when making underwriting decisions regarding genetic testing; and engagement between the insurance industry, regulators, and the genetics profession be improved.</description><subject>Asymptomatic</subject><subject>Disability discrimination</subject><subject>Disability insurance</subject><subject>Family medical history</subject><subject>Genetic screening</subject><subject>Genetic testing</subject><subject>Genetics</subject><subject>Genomics</subject><subject>Insurance industry</subject><subject>Insurance premiums</subject><subject>Life insurance companies</subject><subject>Moratoriums</subject><subject>Personal health</subject><subject>Social factors</subject><subject>Social interactions</subject><subject>Underwriting</subject><issn>1832-4274</issn><issn>1839-2628</issn><fulltext>true</fulltext><rsrctype>article</rsrctype><creationdate>2023</creationdate><recordtype>article</recordtype><sourceid>IKXGN</sourceid><sourceid>AFKRA</sourceid><sourceid>AZQEC</sourceid><sourceid>BENPR</sourceid><sourceid>CCPQU</sourceid><sourceid>DWQXO</sourceid><sourceid>GNUQQ</sourceid><recordid>eNptkdFL5DAQh4Mop-7dk-9HwBdBumaSNml9E7lTQXBB77nMpulepE00SQX_e7O6ewfiU4bw5ZvJ_Ag5AjYHBuos_V3NOeNiDrBDDqAWTcElr3ffa16UXJX75DDGR8aEgoZ9I_tCcS6VqA7Iy_U0oqNXxplkdaT3XluTXqnv6cUUU8ABo0W68NEm6x29T5jMaFw6376hDyYm61YUXUcXJkTvcKA3Lk4BnTZ0EXw36RSpdVulxe9kr8chmh-bc0b-_P71cHld3N5d3Vxe3BZaMAWFlNI0EkCbXnIQNTQlqq4EpURdL8u6Z7qDRnVayQorwEpUGiBT-abBEsWMnHx4n4J_nvKg7WijNsOAzvgptjwruZJQlRk9_oQ--inkv6wpUTdKVXnJM3L6QengYwymb5-CHTG8tsDadRxtjqNdx9ECZPrnxjktR9P9Y7f7z0Cx0eG4DLZbmf9dvxK-Afspk-4</recordid><startdate>202304</startdate><enddate>202304</enddate><creator>DeBortoli, Emily</creator><creator>McInerney-Leo, Aideen M.</creator><creator>Ayres, Samantha</creator><creator>Boyle, Jackie</creator><creator>Jacobs, Chris</creator><creator>Newson, Ainsley J.</creator><general>Cambridge University Press</general><scope>IKXGN</scope><scope>NPM</scope><scope>AAYXX</scope><scope>CITATION</scope><scope>8FD</scope><scope>8FE</scope><scope>8FH</scope><scope>AFKRA</scope><scope>AZQEC</scope><scope>BBNVY</scope><scope>BENPR</scope><scope>BHPHI</scope><scope>CCPQU</scope><scope>DWQXO</scope><scope>FR3</scope><scope>GNUQQ</scope><scope>HCIFZ</scope><scope>LK8</scope><scope>M7P</scope><scope>P64</scope><scope>PQEST</scope><scope>PQQKQ</scope><scope>PQUKI</scope><scope>RC3</scope><scope>7X8</scope><orcidid>https://orcid.org/0000-0002-9284-9110</orcidid></search><sort><creationdate>202304</creationdate><title>Human Genetics Society of Australasia Position Statement: Genetic Testing and Personal Insurance Products in Australia</title><author>DeBortoli, Emily ; McInerney-Leo, Aideen M. ; Ayres, Samantha ; Boyle, Jackie ; Jacobs, Chris ; Newson, Ainsley J.</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-c3071-666e9611cef62138194a7d4177388b48f0cd197dc765a51a535c11194dc79a4a3</frbrgroupid><rsrctype>articles</rsrctype><prefilter>articles</prefilter><language>eng</language><creationdate>2023</creationdate><topic>Asymptomatic</topic><topic>Disability discrimination</topic><topic>Disability insurance</topic><topic>Family medical history</topic><topic>Genetic screening</topic><topic>Genetic testing</topic><topic>Genetics</topic><topic>Genomics</topic><topic>Insurance industry</topic><topic>Insurance premiums</topic><topic>Life insurance companies</topic><topic>Moratoriums</topic><topic>Personal health</topic><topic>Social factors</topic><topic>Social interactions</topic><topic>Underwriting</topic><toplevel>peer_reviewed</toplevel><toplevel>online_resources</toplevel><creatorcontrib>DeBortoli, Emily</creatorcontrib><creatorcontrib>McInerney-Leo, Aideen M.</creatorcontrib><creatorcontrib>Ayres, Samantha</creatorcontrib><creatorcontrib>Boyle, Jackie</creatorcontrib><creatorcontrib>Jacobs, Chris</creatorcontrib><creatorcontrib>Newson, Ainsley J.</creatorcontrib><creatorcontrib>Education, Ethics and Social Issues Committee of the Human Genetics Society of Australasia</creatorcontrib><collection>Cambridge Journals Open Access</collection><collection>PubMed</collection><collection>CrossRef</collection><collection>Technology Research Database</collection><collection>ProQuest SciTech Collection</collection><collection>ProQuest Natural Science Collection</collection><collection>ProQuest Central UK/Ireland</collection><collection>ProQuest Central Essentials</collection><collection>Biological Science Collection</collection><collection>ProQuest Central</collection><collection>Natural Science Collection (ProQuest)</collection><collection>ProQuest One Community College</collection><collection>ProQuest Central Korea</collection><collection>Engineering Research Database</collection><collection>ProQuest Central Student</collection><collection>SciTech Premium Collection</collection><collection>ProQuest Biological Science Collection</collection><collection>Biological Science Database</collection><collection>Biotechnology and BioEngineering Abstracts</collection><collection>ProQuest One Academic Eastern Edition (DO NOT USE)</collection><collection>ProQuest One Academic</collection><collection>ProQuest One Academic UKI Edition</collection><collection>Genetics Abstracts</collection><collection>MEDLINE - Academic</collection><jtitle>Twin research and human genetics</jtitle></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext</fulltext></delivery><addata><au>DeBortoli, Emily</au><au>McInerney-Leo, Aideen M.</au><au>Ayres, Samantha</au><au>Boyle, Jackie</au><au>Jacobs, Chris</au><au>Newson, Ainsley J.</au><aucorp>Education, Ethics and Social Issues Committee of the Human Genetics Society of Australasia</aucorp><format>journal</format><genre>article</genre><ristype>JOUR</ristype><atitle>Human Genetics Society of Australasia Position Statement: Genetic Testing and Personal Insurance Products in Australia</atitle><jtitle>Twin research and human genetics</jtitle><addtitle>Twin Res Hum Genet</addtitle><date>2023-04</date><risdate>2023</risdate><volume>26</volume><issue>2</issue><spage>184</spage><epage>187</epage><pages>184-187</pages><issn>1832-4274</issn><eissn>1839-2628</eissn><abstract>The expansion of genetic and genomic testing in clinical practice and research, and the growing market for direct-to-consumer genomic testing has led to increased awareness about the impact of this form of testing on insurance. Genetic or genomic information can be requested by providers of mutually rated insurance products, who may then use it when setting premiums or determining eligibility for cover under a particular product. Australian insurers are subject to relevant legislation and an industry led standard that was updated in 2019 to introduce a moratorium on the use of genetic test results in life insurance underwriting for policies <AU$500K. The Human Genetics Society of Australasia has updated its position statement on genetic testing and life insurance to account for these changes and to increase the scope of the statement to include a wider range of personally-rated insurance products, such as life, critical care, and income protection products. Recommendations include that: providers of professional education involving genetics should include ethical, legal, and social aspects of insurance discrimination in their curricula; the Australian Government take a more active role in regulating use of genetic information in personal insurance; that information obtained in the course of a research project be excluded; insurers seek expert advice when making underwriting decisions regarding genetic testing; and engagement between the insurance industry, regulators, and the genetics profession be improved.</abstract><cop>Cambridge, UK</cop><pub>Cambridge University Press</pub><pmid>37226735</pmid><doi>10.1017/thg.2023.11</doi><tpages>4</tpages><orcidid>https://orcid.org/0000-0002-9284-9110</orcidid><oa>free_for_read</oa></addata></record> |
| fulltext | fulltext |
| identifier | ISSN: 1832-4274 |
| ispartof | Twin research and human genetics, 2023-04, Vol.26 (2), p.184-187 |
| issn | 1832-4274 1839-2628 |
| language | eng |
| recordid | cdi_proquest_miscellaneous_2819276154 |
| source | Alma/SFX Local Collection; Cambridge University Press Journals Complete |
| subjects | Asymptomatic Disability discrimination Disability insurance Family medical history Genetic screening Genetic testing Genetics Genomics Insurance industry Insurance premiums Life insurance companies Moratoriums Personal health Social factors Social interactions Underwriting |
| title | Human Genetics Society of Australasia Position Statement: Genetic Testing and Personal Insurance Products in Australia |
| url | https://sfx.bib-bvb.de/sfx_tum?ctx_ver=Z39.88-2004&ctx_enc=info:ofi/enc:UTF-8&ctx_tim=2025-01-24T15%3A37%3A28IST&url_ver=Z39.88-2004&url_ctx_fmt=infofi/fmt:kev:mtx:ctx&rfr_id=info:sid/primo.exlibrisgroup.com:primo3-Article-proquest_cross&rft_val_fmt=info:ofi/fmt:kev:mtx:journal&rft.genre=article&rft.atitle=Human%20Genetics%20Society%20of%20Australasia%20Position%20Statement:%20Genetic%20Testing%20and%20Personal%20Insurance%20Products%20in%20Australia&rft.jtitle=Twin%20research%20and%20human%20genetics&rft.au=DeBortoli,%20Emily&rft.aucorp=Education,%20Ethics%20and%20Social%20Issues%20Committee%20of%20the%20Human%20Genetics%20Society%20of%20Australasia&rft.date=2023-04&rft.volume=26&rft.issue=2&rft.spage=184&rft.epage=187&rft.pages=184-187&rft.issn=1832-4274&rft.eissn=1839-2628&rft_id=info:doi/10.1017/thg.2023.11&rft_dat=%3Cproquest_cross%3E2819276154%3C/proquest_cross%3E%3Curl%3E%3C/url%3E&disable_directlink=true&sfx.directlink=off&sfx.report_link=0&rft_id=info:oai/&rft_pqid=2838977502&rft_id=info:pmid/37226735&rft_cupid=10_1017_thg_2023_11&rfr_iscdi=true |